Disrupção na banca, o que pode vir aí

Um conjunto de 3 artigos todos sobre o mesmo tema, a disrupção do sector bancário e financeiro, muito interessante. Por cá, estas espécies que vivem perto das fumarolas, devem conseguir tornar isto inconstitucional, ou avançar com providências cautelares que parem a coisa, a menos que Bruxelas proteja os consumidores... tão weird escrever isto sobre Bruxelas..

• "The unbundling of commercial banks"

"I think technology is impacting commercial banking in three main ways:

1. Increasing access to information thereby allowing businesses (businesses here refers broadly to small, medium and large businesses which would be the clients of commercial banks) to make better decisions

1. Reducing the friction/offering better experiences for businesses in conducting common activities

1. Lowering the fees on transactions for businesses by serving as a cheaper middleman

To show how the above unbundling is beginning to happen, I’m going to start with the key activities performed by a commercial bank to see how startups have emerged to serve as a better platform or help perform them more efficiently:

1. Checking and account management services

1. Loans and financing

1. Merchant services

• "Here’s why finance is about to be disrupted"

"Finance has the three main characteristics of an industry likely to be transformed by technology:

1. It traffics in bits, not atoms.

1. Its services are often delivered remotely.

1. There is little need for human contact.

Unlike other sectors with these characteristics — e.g., media, advertising, and travel services — finance hasn’t been disrupted.
...
These are major obstacles to change in financial services. All of them, however, are now falling away:"

Por exemplo:

"Technology is changing how we think about scale in finance. There is a growing recognition that scale can come from the network, not just from a single large firm. It is increasingly true that “the network is the bank.” The notion that security comes from a large institution seems increasingly dated, especially when one “too big to fail” bank can be replaced by a network of “so small no-one cares” innovators."

"The financial industry is on the cusp of being transformed in a way that may make it unrecognizable. Changing demographics, changing technology, regulatory flexibility, and new open payment protocols are transforming the very idea of money and finance. Opportunities are legion to rethink old business models based on dated assumptions about costs, scarcities, time, and even the nature of money. The unbundling of financial services is ahead, and it looks transformative, with huge opportunities for startups and for incumbents."

•  "The Unbundling Of Finance"

"In a world where everything is being unbundled, allowing consumers to pick and choose from things like television shows and college courses, financial services are becoming à la carte, as well. People, particularly millennials, are moving away from single monolithic banking institutions serving the majority of their financial needs to hand picking the specialized services that work for them.
...
What’s being disrupted: checking accounts, savings accounts and checks.
...
What’s being disrupted: ATM cards, cash and checks.
...
What’s being disrupted: large investment corporations like Fidelity and Vanguard.
...
What’s being disrupted: credit card companies.
...
What’s being disrupted: big banks with restrictive loan approval policies.
...
What’s being disrupted: accounts payable departments."

...